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　　英语课外阅读1

China has banned online loans to college studentsfollowing a three-year boom in campus lending.

在三年的校园借贷疯潮之后，中国已于日前禁止了大学生网上贷款。

Financial institutions not registered or authorized byregulators are now banned from offering loans oncampus, said a recent notice by China's BankingRegulatory Commission, the Ministry of Education, and the Ministry of Human Resources and SocialSecurity.

中国银监会、教育部和人力资源社会保障部近期发布的一则通知称，未注册或未获监管部门授权的金融机构将不得提供校园贷款。

The notice said existing online lenders must withdraw from the market. Those who refuse willbe shut down.

该通知称，现存的网上贷款机构必须退出市场。拒绝退出的将会被关闭。

Institutions suspected of malicious fraud, violence, and spreading obscenities will be subjectto prosecution.

涉嫌恶意诈骗、暴力和传播色情的机构将会被起诉。

Campus loans have been a brewing problem in schools across China.

在中国的各所高校，校园贷款已经成为一个潜在的问题。

Some students who fall into this financial trap have been reported to have committed suicide, ran away from their homes, or settled their debts with sexual favors.

据报道，一些陷入金融陷阱的学生有自杀的、有离家出走的、还有用性行为还债的。

Online lenders set traps often by releasing the daily interest rate for loans. Average dailyinterest rates range from 0.1 percent to 0.2 percent, which means monthly rates can reachthree to six percent. This translates to an annual interest rate of 70 to 140 percent.

网上贷款者往往通过释放贷款每日利息设下陷阱。平均每日利率为0.1%至0.2%，这就意味着月利率可达3%至6%。也就是说，年利率可达70%至140%。

China Construction Bank, and Bank of China in May initiated new consumer loans tailored foruniversity students, 18 years after Chinese banks stopped issuing credit cards and standardconsumer loans to students.

在中国的银行停止向学生发行信用卡和标准消费者贷款18年后，中国建设银行和中国银行已经于五月份发起了为大学生定制的新的消费者贷款。

The annual interest rates of the two banks are 5.6 percent and 5 percent respectively. Thestate-owned banks are expected to cleanse the campus loan market, which has beencontrolled by private loan sharks, according to analysts.

两家银行的年利率分别为5.6%和5%。据分析人士们介绍，国有银行有望净化被私人高利贷者控制的校园借贷市场。

　　英语课外阅读2

What's in a name?

名字意味着什么?

A lot, if you had asked Johnson State College andLyndon State College in the US state of Vermont.

如果你去问美国佛蒙特州的约翰逊州立学院和林登州立学院，答案是：意义重大。

The schools are now one, at least in name - NorthernVermont University - with two campuses 89 kmapart.

这两所学院现在合并了，至少在名义上是如此。它们现在名为北佛蒙特大学，尽管两所学院相距89公里。

The name change was designed to attract foreign students willing to pay higher tuition.

改名的目的是为了吸引愿意支付更高学费的外国学生。

University" just sounds better than "college".

“大学”听起来就是比“学院”好。

Patricia Coates, director of communications for the Vermont State Colleges System, said that "college" may have a different perception outside the US.

佛蒙特州立大学系统联络部主任帕特里夏·科茨表示，“学院”一词在美国以外的地方可能有不同的含义。

In China, "college" may be seen as equivalent to "high school" or "junior college".

在中国，“学院”可能被视作“高中”或“专科院校”。

"Frankly, let's be honest, 'university' provides a marketing advantage," Coates said.

科茨表示：“老实说，“大学”一词具有营销优势。”

Last year, 328,547 Chinese studied in the US, accounting for 32% of all foreign students, according to the Institute of International Education.

国际教育协会称，去年共有328547名中国学生在美求学，占留学生总数的32%。